Education Center

Below are brief summaries of some of the topics that may arise as we explore your long- and short-term financial goals.  This information will give you something to consider as you prepare for our initial review.

Accumulating Retirement Assets  When should you retire?  When it makes the most sense financially and when you have a plan that meets your individual needs.  The goal is to help you make an easier transition to a "salary free" living.  We will build your plan so you can react to changes that may occur.  We can show you ways to create a secure income first to give you financial peace of mind.  Then we will show you how to invest to help maintain the purchasing power of your income over time.  Our goal will be to help you design a strategy focused on after-tax income, to support a long, comfortable and worry-free retirement.  What you don't spend and enjoy during retirement, we will also show you how to efficiently pass the rest of your estate to your family.

Retirement Planning Has Changed- Has Your Approach Changed As Well?  The Economic Growth and Tax Relief Reconciliation Act of 2001 introduced new portability provisions that allow participants the ability to transfer retirement plan balances from one account to another.  If you are a job changer, been downsized or retired, you'd be wise to investigate how you might benefit by consolidating your retirement assets.  Leaving assets in a 401(k) plan without monitoring them can be a big mistake.  Highly structured retirement plans often may limit some asset classes and therefore restrict a participant's ability to diversify against risk.  A review of your retirement plan may identify opportunities for you to better grow, protect and conserve your wealth.  

Your Children's Education (or How To Save For College The Right Way)  Coverdell Education Savings Accounts, 529 Plans*, Prepaid College Plans, UGMA/UTMA Accounts, Government Savings Bonds, Mutual Funds*, Bank Deposits, Roth IRAs, Traditional IRAs, Qualified Retirement Plans, Business Ownership, Hope Scholarship and Lifetime Learning Tax Credits.  These are some of the many different ways in which you can accumulate cash for education purposes.  Each has its own advantages and limitations.  Proper college planning involves a detailed analysis in four important areas:  proper college selection, the financial aid process, taxes, and your personal family resources.  Through the MAP^® process we can help you sort through the alternatives and offer products to help you achieve your college funding goals.  Our resources and knowledge of the system can help keep your college funding problem from also becoming a retirement planning problem. 

*Offered by NYLIFE Securities LLC (Member FINRA/SIPC)

 Macro Asset Perspective®

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Need a little help in deciding which products and services would be right for you and your family?  Please use the contact us button to e-mail us.